West Union Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at West Union Bank (FDIC Cert #2452) registers 81/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The combination of a severe reading and a compact footprint is what makes West Union Bank worth watching as a supply signal. County by county, that footprint includes Harrison County, WV, Ritchie County, WV, Doddridge County, WV, among others DLRadar tracks parcel by parcel. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The value is in the linkage: West Union Bank's severe reading is mapped onto 42 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. What separates this from a plain credit rating is the geographic weighting — West Union Bank's 81/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. The West Union Bank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, West Union Bank is directly comparable to any lender in the country. Its footprint is compact and single-state: 42 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in West Virginia (3 counties). West Union Bank is held under Tri-County Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable.

For buyers, lender stress is an early map of supply: when West Union Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.